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How to Add a Grandchild to Health Insurance

By Lea Webb ; Updated April 18, 2017

Adding a grandchild to your employer-provider private health insurance may be possible if you are the child's legal guardian. If you are not the legal guardian, you may need to explore options such as Medicaid or the State Children's Health Insurance Program (SCHIP) to obtain coverage. To obtain more resources on this topic, speak to program representatives from your local Area Agency on Aging's Family Caregiver Support Program.

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Contact your private health insurance provider (if applicable) and ask whether grandchildren can be added to your policy. Note any necessary conditions, such as legal guardianship.

Use the Internet or phone to contact your state's Medicaid program if you are not able to add your grandchildren to your private insurance policy. Determine whether your grandchildren are eligible for Medicaid.

Use the Internet or phone to contact your SCHIP program if your grandchildren do not qualify for Medicaid. Read the requirements and apply if it appears that your grandchildren are eligible.

Contact your local Area Agency on Aging's Family Caregiver Support Program if all else fails. You are eligible if you are 55 or older and your grandchild lives with you. You may find out about other resources that are not available online.

Things You Will Need

  • Phone or computer
  • Contact information for private health insurance, Medicaid and SCHIP


Although it may not be easy, persist in trying to gain health insurance for your grandchildren. Just like adults, they can have many unforeseen medical expenses.

Medicaid and SCHIP usually don't treat grandparents' income as a factor in their decision to cover a child. You also don't need to be a legal guardian to apply.

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About the Author

Lea Webb is a CPA and internal auditor with the State of California. She holds degrees in politics and public administration. She has written professionally as communications coordinator for a member association and as a government performance auditor.

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